think if you're a small bank. everybody is concerned about banks getting bigger and bigger, too big to fail. you got a small bank out here in colorado, say 25 people in the bank. serves the local community just fine, writes home loans, auto loans, the other kind of stuff. you come in with these federal regulations, dodd-frank, starts off a 2,000 page bill. by the time you get all the regulations, you're in thousands and thousands of pages of regulations. nobody in your bank has time to read this, understand it, let alone set up compliance programs. it can't be done. and so everybody there is a felon. john stossel, another senior fellow along with dan mitchell and myself at cato, got a great program he did last night, i didn't see it but he sent me a note it will be broadcast twice this weekend, about how we have all these felonies and i just taped a show with john at the beginning of the week on cayman and 4,000 felonies, federal, not talking about state and local, but federal felonies.